Using Credit Cards Properly

[Anonymous]

After 1.5 years of gardening I've managed to obtain 3 unsecured non annual fee credit cards. I'm now finished inquiring for anything for two years to drop my inquiries down to zero. I want to utilize each credit card, but using each one every month is inconvienent. Can I use a different credit card every three months or do i need to use each one every month for the card to report to the CB? Won't the card report as long as the account is open?

[Anonymous]

They don't all need to report a balance to the CRAs.  Let 2 report 0 balances and the other 9% or under. 

You can use them however you want, just make sure only one reports the balance.  It doesn't matter how you do it.  It is suggested to at least use the 2 not reporting every now and again so it won't be closed for nonusage.

[myjourney]

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@Anonymous wrote:

They don't all need to report a balance to the CRAs.  Let 2 report 0 balances and the other 9% or under. 

You can use them however you want, just make sure only one reports the balance.  It doesn't matter how you do it.  It is suggested to at least use the 2 not reporting every now and again so it won't be closed for nonusage.

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+1 

Also OP you can switch which card reports each month 

This is what I do most months 

This month Amex

Next month Discover

Next month Barclay,

CAP1

FNBO

Walmart 

Etc etc etc